top of page

Terms & Conditions

Introduction

 

Tunic Pay works with banks and other financial institutions to help their customers share information about transactions that may involve payments, scams, or other suspicious activity. Our service allows you to provide additional context and documentation so that your bank can better assess what has happened and decide what action to take (including releasing your payment faster).

​

We do not provide independent financial advice and we do not guarantee that any money will be recovered. Any decisions about blocking, reversing or refunding payments are made by your bank or financial institution, not by Tunic Pay.

​

Our services are provided free of charge to you, and Tunic Pay will never ask you to pay us directly. These Terms set out the rules and guidelines for using our website and services.

​​
 

Privacy Statement


Tunic Pay provides support and assistance in understanding and responding to scams and other suspicious transactions. While your bank may use the information you provide to decide whether to block, release or refund a payment, we do not guarantee any particular outcome. Our services include:

  • Collecting information about your payment

  • Providing guidance on the payment's risk level, and contacting relevant authorities and financial institutions

  • Raising awareness about scammer activities
     

If you have any questions about these Terms, please contact our Data Champion on info@tunicpay.com or the address listed in our footer.​

​

User Responsibilities


By using our services, you agree to:
 

  • Provide accurate and truthful information when filling out forms or providing details about your payment

  • Cooperate with our team by providing necessary documentation and evidence to support your case

  • Respect the privacy and confidentiality of other users and any information shared through our platform

  • Only upload information and documents that comply with the Data Uploads and Prohibited Content section of these Terms

 

Privacy Policy


Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

​

Prohibited Activities


When using our website and services, you agree not to:
 

  • Engage in any illegal or fraudulent activities.

  • Submit false or misleading information.

  • Use our services for purposes other than sharing payment context.

  • Attempt to harm or disrupt our website, services, or infrastructure, or upload any content that breaches the Data Uploads and Prohibited Content section of these Terms.​

​

Data Uploads and Prohibited Content

​

As part of our services, we may ask you (or you may choose) to upload information, documents, images or other material to help us understand your situation and support you (“Uploads”).

​

You are responsible for everything you upload through our website or services. By providing any Uploads, you agree that they will comply with the rules in this section.

​

Tunic Pay may implement automated and manual technical controls intended to identify and reduce the likelihood of prohibited data being uploaded. These controls are supplemental only and do not replace, limit, or transfer your responsibility to comply with this section. Relying on these controls as a substitute for your own compliance obligations constitutes a breach of these Terms.

​

Content you must not upload

When using our website and services, you agree not to upload any content that:

  • Is illegal or promotes illegal activity.

  • Is related to fraud, money laundering, terrorist financing or other criminal activity (other than describing what happened to you as part of your payment).

  • Is threatening, harassing, abusive or intended to cause distress to another person.

  • Contains coercive, degrading, humiliating, manipulative or exploitative statements or imagery, including harassment, blackmail, intimidation, or attempts to control or dominate another individual.

  • Includes threats of physical harm, encouragement of self-harm or suicide, praise or instructions for violence, or material that facilitates or encourages unauthorized or illegal acts such as hacking, intrusion or serious property damage.

  • Involves the sexual exploitation, abuse or endangerment of children, or depicts anyone in a sexualised way who is, or appears to be, under 18.

  • Incites hatred, violence or discrimination against any individual or group based on characteristics such as race, ethnic origin, nationality, gender or gender identity, sexual orientation, religion, disability or serious illness.

  • Infringes the intellectual property rights, privacy or confidentiality of another person (for example, uploading documents you do not have permission to share).

  • Contains viruses, malware or any other code designed to disrupt or damage systems, data or networks.

We may report such content to the relevant authorities.

​

Sensitive personal and security information

Our service is not designed to collect or store certain highly sensitive types of information. Please do not upload:

  • Payment card and bank details, including:

    • full card numbers, full images of the front and back of your payment card, full magnetic stripe or chip data;

    • card security codes (e.g. CVV/CVC);

    • card PINs or PIN blocks;

    • online or mobile banking usernames or passwords or recovery codes;

    • one-time passcodes, verification codes, authentication tokes, session identifiers sent by your bank or other provider.

  • Account security information, including:

    • passwords for any online account;

    • answers to security questions;

    • recovery codes, private keys or wallet seed phrases for crypto or other financial accounts.

  • Government identity documents, including:

    • full scans or photos of passports, driving licences, national ID cards or residence permits,
      unless we have clearly asked you for this as part of a specific, secure process.

  • Especially sensitive personal information, such as:

    • information revealing or allowing inference of an individual’s racial or ethnic origin

    • information about an individual’s political opinions, party affiliations or voting intentions;

    • information about an individual’s religious or philosophical beliefs;

    • detailed health or medical information;

    • genetic data derived from biological samples or genetic testing that reveals inherited or acquired genetic characteristics or hereditary risks;

    • biometric identifiers (such as fingerprints, facial images, voiceprints or iris/retina scans) used or intended to be used to uniquely identify an individual;

    • personal data relating to an individual’s physical or mental health, including diagnoses, medical history, treatment information or disability-related information;

    • information about your trade union membership, participation or association;

    • data concerning an individual’s sex life, sexual behaviour, intimate relationships, sexual orientation or sexual identity;
      unless it is strictly necessary to explain the payment context and you are comfortable sharing it.

If you accidentally upload any of this information, please tell us as soon as possible so we can work with you to remove it and reduce any risks.

​

How we handle uploads that break these rules

To keep our users safe and to comply with our legal obligations, we may:

  • use automated tools and/or human review to detect content that appears to break these rules;

  • remove, block or restrict access to any Uploads that we reasonably believe are harmful, illegal or otherwise breach these Terms;

  • suspend or limit your access to our services if we reasonably believe this is necessary to protect other users or our systems;

  • report certain content (for example, content involving child sexual abuse or other serious crime) to the relevant authorities.

These actions are in addition to any other rights we may have under these Terms or applicable law.

​

​

Intellectual Property


All content, trademarks, and intellectual property on our website are the property of Tunic Pay or our licensors. You may not reproduce, distribute, or use any content from our website without our prior written consent.

 

Limitation of Liability


Tunic Pay is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website or services. We do not engage in the recovery of any funds lost to scams.

​​
 

Changes to Terms


We may update these Terms from time to time. Any changes will be posted on this page, and the revised Terms will take effect immediately upon posting. Your continued use of our website and services constitutes your acceptance of the revised Terms.

​​
 

Governing Law


These Terms are governed by and construed in accordance with the laws of the jurisdiction in which Tunic Pay operates. Any disputes arising from these Terms or your use of our services will be subject to the exclusive jurisdiction of the courts in that jurisdiction.
 

​​

Complaints


We will be more than happy to help should you have any complaints about the processing of your personal data. You have the right to lodge a complaint with the Supervisory Authority, the Information Commissioner Officer (ICO), who are the national authority responsible for the protection of personal data.
 

A complaint can be made to the ICO via their website ico.org.uk, or through their helpline (0303 123 1113). When contacting the ICO, you can refer to us as “Tunic & Co UK Limited (trading as "Tunic Pay"), company number 15259143”.

​

Last updated: 17th November 2025

bottom of page